Personal Finance (Not Investing) • Thinking of quitting health insurance...
I used Obama care when I became self-employed and all our doctors and hospitals were covered. Many of the doctors have been recognized as best in the US. Doesnt work in your neck of the woods?I have...
View ArticleInvesting - Theory, News & General • 2024 Year-end Distribution Estimates
Check this site out about End of Year Distributions.Gives links to various funds.https://www.mutualfundobserver.com/disc ... -estimatesStatistics: Posted by idenbglhd — Wed Nov 13, 2024 2:56 am —...
View ArticleNon-US Investing • asking the mirror [Retire now?]
I'm not one to tell everyone to work until they accumulate 100X, but 8x seems a little slim.I push back constantly against the 2%SWR and “something might happen” crowd, but man, 8x...
View ArticlePersonal Finance (Not Investing) • Protecting against brokerage IT hacks etc...
You appear to have taken prudent steps to secure your personal finances with a trust, involving a trusted family member, and some separation between your bill paying banking institution and your asset...
View ArticlePersonal Investments • Is it possible to have a MMF sweep account at Schwab,...
My frustration with Schwab grows daily. I was looking at opening an organization account but it appears that the ONLY option for your uninvested cash is the “bank sweep” program, even though it...
View ArticlePersonal Consumer Issues • 5 Day Trip To London
Due to an injury my spouse and I have not yet been able to attend. Very popular. And very good. It might be infeasible on a weekend so I will need to take an AM off in the week. Or try the old "go at...
View ArticlePersonal Investments • Would you invest in xAI?
OP,Looks to me like you made your decision long before you started this thread. I wish you luck in your purchase and hope you update us on your success or failure if it happens to go that way. I wish...
View ArticlePersonal Finance (Not Investing) • Conversion to Roth - 401k or IRA?
Do you have a qualified Roth IRA?In addition to the other comments posted, Roth IRA distributions may be processed more quickly than a 401k distribution. If you also have a traditional 401k balance,...
View ArticlePersonal Investments • Leaving Vanguard for Fidelity and need your feedback...
Whether to our covert vfiax to voo is a personal choice. I transfered without converting and can sell without fee. Regardless be sure to get copies of you cost basis (or screenshot) before...
View ArticlePersonal Finance (Not Investing) • Does it Ever Make Sense for a Federal...
I am a 64 federal retiree and have been on GEHA HDHP for at least the past 5 years. We have been blessed to be "Low Consumers" of health care. Checkups, dental work, normal preventative care. The DW...
View ArticleInvesting - Theory, News & General • Shiller PE now near 37 - 3rd highest...
Trying to reconcile this thread with very low real returns for equities since 2000 in another thread.Shiller PE is share price now divided by average real earnings of the business (adjusted to be a...
View ArticleInvesting - Theory, News & General • Vanguard Cash Plus Account
I’ve search this thread and others and didn’t find the specific answer regarding the above quotes.Per “...I just called Vanguard customer service and they confirmed that it is now possible to set up...
View ArticlePersonal Finance (Not Investing) • Roth or HSA contribution?
+1 to making the maximum 401k and HSA contributions while using Taxable funds for living expenses Also contribute to Roth IRAs if you can make direct contributions or do backdoor Roths not subject to...
View ArticlePersonal Investments • Overwhelmed with decisions after major life events.
As far as I know, inherited retirement accounts (IRA,Roth) from one person cannot be combined with another person's. You may just want to cash out smaller inherited retirement accounts in order to...
View ArticlePersonal Consumer Issues • foreign eSIM vs AT&T international
I used a esim with data only from airalo and nomad. My phone with att is setup to receive text and voice mail without incurring the $12 charge. Using esim in Asia to make calls with Google voice and...
View ArticlePersonal Investments • Portfolio Rebalancing for 47 yrs. old Teacher
Welcome!Some initial comments:Emergency Fund: keep slowly working up to at least 6 mos.Debt: Relatively small. Up to you whether or not you want to pay them faster or as agreed.Asset Allocation* Being...
View ArticlePersonal Finance (Not Investing) • Account locked at Treasury Direct and...
So, to answer my own question I just logged onto TD. I finally found the security questions as a selection under Manage Direct. In order to get there I had to answer one of my security questions and...
View ArticlePersonal Finance (Not Investing) • Pralana Online Released - Impressions
Because Pralana is ahead of the competition including Boldin and Projectionlab in painting a more reliable financial picture and would prefer it to remain that way. If Stuart steps back and no viable...
View ArticlePersonal Finance (Not Investing) • Changing beneficiary on account question
I just went through this in Texas. The will specifically disinherits the person by name and is also supplemented by a clause stating that *anyone* who sues the estate is immediately disqualified from...
View ArticlePersonal Investments • A hilarious "managed" portfolio from Fidelity
Before firing the manager, I would call them back and have them manually sell all 165 of the new positions. There should be a minimal tax hit and having to undo 165 positions will hopefully teach the...
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